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The Baldwin State Bank has a 1-year certificate of deposit (CD) with a 1.51% annual percentage yield (APY) for balances of $20,000 and up. Other CD rates for 1-year deposits are 1.36% for deposits of $5,000 to $20,000 and 1.16% for under $5,000. Other tiered CD rates and terms include:

3 months - 0.85 APY for $20,000 and up, 0.7% APY for $5,000 to $20,000, and 0.55% APY for under $5,000

6 months - 1.06% APY for $20,000 and up, 0.9% APY for $5,000 to $20,000, and 0.75% APY for under $5,000

18 months - 1.56% APY for $20,000 and up, 1.41% APY for $5,000 to $20,000, and 1.26% APY for under $5,000

24 months - 1.87% APY for $20,000 and up, 1.71% APY for $5,000 to $20,000, and 1.56% APY for under $5,000

30 months - 2.07% APY for $20,000 and up, 1.92% APY for $5,000 to $20,000, and 1.77% APY for under $5,000

36 months - 2.48% APY for $20,000 and up, 2.33% APY for $5,000 to $20,000, and 2.17% APY for under $5,000

48 months - 2.69% APY for $20,000 and up, 2.53% APY for $5,000 to $20,000, and 2.38% APY for under $5,000

CD rates are current as of Aug. 30, 2010. CDs require a minimum of $1,000 to open. Early withdrawals are subject to penalties. The bank is based in Baldwin City, Kan.

Farmers State Bank has an e-checking account that earns 3.51% annual percentage yield (APY) on balances up to $25,000. You can open the free checking account at one of the three Minnesota locations. Details of the offer include:

Balances over $25,000 earn 1.01% APY

$25 minimum opening deposit

Up to $25 in ATM fees refunded each month

No monthly fees

Personal checking account customers only

To earn the 3.51% APY bank rate, you must make 10 Shazam Check Card purchases each month and one automatic payment/transfer or direct deposit. You also must access Internet banking at least once a month and receive e-statements. The bank rate (current as of Aug. 1, 2009) is the normal rate for the checking account, but can change depending upon market conditions. If you don’t meet the requirements, the interest rate on the checking account is 0.1% APY.

Farmers State Bank has other checking accounts available. The Simple Checking is a free account that requires $25 to open and does not earn interest. Growth Checking requires $1,000 to open and has competitive interest rates. Classic Checking requires $500 to open and has no monthly minimum balance requirement.

Open an Electric Orange checking account at ING Direct and you could earn a $50 bonus. You need to use reference code EM522 when you open your account online.

To earn the bonus you must activate an Electric Orange Debit MasterCard and make three signature-based purchases with it within 45 days. The $50 bonus gets credited to your account on day 50. Other details of the checking account include:

No minimum balance requirement

No monthly fees

Pay bills online free

Free transactions at 35,000 ATMs

1.25% annual percentage yield (APY) on balances over $100,000

1.2% APY on balances between $50,000 and $99,999.99

0.25% APY on balances under $50,000

Bank rates are current as of August 26, 2010. If you are tired of getting socked with high overdraft fees you might like this account. The average that most banks charge for overdrafts on checking accounts is $30. The Electric Orange bank rate for overdrafts is 2 cents a day on an overdraft balance of $100. So if you overdraw your checking account by $500, you pay an overdraft fee of 99 cents.

Princeville State Bank has a high-interest checking account that offers 3.51% annual percentage yield (APY) on balances up to $25,000. Balances over $25,000 earn 0.5% APY. The Kasasa Cash checking account has no minimum opening balance requirement and no monthly fee. Other details of the account include:

Unlimited check writing

ATM fees up to $20 refunded each month

No minimum balance requirement

Free Visa debit card

Free online banking with bill pay

Direct deposit is available

Insured by Federal Deposit Insurance Corp. (FDIC)

To qualify for the best bank rates and ATM refunds, you must make 10 debit card transactions per statement cycle. You also must set up one recurring automatic deposit and receive electronic statements. If you don’t qualify for the best bank rates during any statement cycle, you earn the base rate of 0.05% APY on your balance

Princeville State Bank, based in Princeville, Ill. also has a Kasasa Saver, a savings account that is linked to the Kasasa Cash checking account. Kasasa Saver earns 1.75% APY on balances up to $100,000 and 0.5% on balances over $100,000. If you don’t meet the qualifications for the account, the savings rate is 0.05% APY. The savings account has no minimum balance requirement or monthly fee.

Open a KeyBank checking account and you may qualify for a free Sony bloggie, a pocket-sized camera that captures high definition MP4 video and 5 mega pixel images that you can upload directly to the Web to share on sites such as YouTube. The deal is only for people who open new checking accounts by Oct. 8, 2010.

Only individuals who live in Cleveland, Eastern Ohio, Idaho, Western New York, Oregon, Seattle Cascades, South Puget Sound, Central New York, Rochester, Maine, Northwest Ohio, Michigan, Capital Region New York, and Hudson Valley New York can qualify for the promotion. Customers can open accounts at local banks, by phone, or at www.key.com. Checking accounts opened at KeyDirect.com are not eligible for the offer.

The following personal checking accounts are eligible for the promotion:

Key Express Free Checking

Key Coverage Checking

Key Advantage Checking

Key Privilege Checking

Key Privilege Select Checking

Business checking accounts eligible for the promotion are:

Key Business Free Checking

Key Business Reward Checking

Key Business Checking

Key Business Money Market Checking

Key Business Sweep Checking

To qualify for the Sony bloggie, checking customers must make one transaction with a KeyBank Debit MasterCard and a combination of two direct deposits and/or automated payments of $100 each by December 12, 2010.

Bank rates
provided by MoneyRates.com based on average rates for deposits under $10K and conforming mortgage rates

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Advertiser Disclosure: Many of the savings offers
appearing on this site are from advertisers from which this website receives compensation for being listed here.
This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all deposit accounts available.